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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,055 | $106,749-31.6% | $145,433-49.8% | $82,448-11.4% |
| Participation rate | 81.3% | 75.6%+5.6pp | 82.1%-0.9pp | 68.1%+13.2pp |
| Annual return | 19.80% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $3,269 | $3,444-5.1% | $4,554-28.2% | $2,551+28.2% |
| Participant deferral / active EE | $12,385 | $6,519+90.0% | $7,897+56.8% | $4,139+199.2% |
| Admin fee / account holder | $3,557 | $8,390-57.6% | $13,129-72.9% | $7,234-50.8% |